Housing (Affordable Housing)

in committee · United States · House Apr 30, 2026

HR 8626: Workforce Housing Tax Credit Act

The Workforce Housing Tax Credit Act creates a new federal tax credit to encourage the development and rehabilitation of affordable housing for middle-income families. This credit applies to buildings where at least 60% of units are rent-restricted and occupied by individuals earning 100% or less of the area median income, with at least 20% of those units specifically targeted for middle-income households. The bill establishes a 15-year credit period based on a percentage of the building's qualified basis, which is determined by factors such as the building's cost, location, and whether it is new or existing. To qualify, developers must enter into binding agreements with housing agencies that include long-term commitments to maintain affordable rents and prevent the displacement of tenants, while also adhering to specific financial feasibility and reporting requirements.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill introduces a federal tax credit to encourage affordable housing development, aligning with fiscal management goals and providing tax relief for housing initiatives.85% confidence ✓ HousingSupports HousingBill creates a federal tax credit to encourage development and rehabilitation of affordable housing for middle-income families.95% confidence

Sub-Topics Tax Credits Tax Incentives Affordable Housing Historic Preservation Housing Finance

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passed · United States · House May 20, 2026

HRES 1299: Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment.

This resolution directs the House to agree to a Senate amendment for a comprehensive housing bill that updates federal programs to increase housing supply, improve affordability, and modernize regulations. The legislation directly affects homeowners, renters, local governments, financial institutions, and federal agencies by establishing new grant programs, revising loan limits, and streamlining environmental reviews for construction projects. Key provisions include creating incentives for small-dollar mortgages, expanding funding for affordable housing and rural development, updating standards for manufactured and modular homes, and enhancing oversight of housing regulators and community banks. Additionally, the bill introduces specific measures to address homelessness, support veterans, and improve the efficiency of interagency coordination among HUD, USDA, and VA.

Topics ✓ HousingSupports HousingBill explicitly aims to increase housing supply, improve affordability, and modernize regulations through new grants and streamlined reviews.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · Senate Mar 26, 2026

S 4265: Freedom to Build Act

The Freedom to Build Act establishes a voluntary federal designation for local governments that address housing affordability and supply. Localities can qualify by either adopting specific regulatory reforms to streamline construction and protect property rights, or by demonstrating sustained housing supply growth that meets an affordability-adjusted target. This designation directly affects participating localities by prioritizing them for competitive housing and community development grants administered by the Department of Housing and Urban Development (HUD). Other federal agencies are also encouraged to consider this designation when awarding related grants.

Topics ✓ HousingSupports HousingBill establishes voluntary federal designation for localities addressing housing affordability and supply, prioritizing them for competitive housing and community development grants.90% confidence

Sub-Topics Affordable Housing Building Codes Zoning

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in committee · United States · House Dec 17, 2025

HR 6774: FHA Small-Dollar Mortgages Act

HR 6774, the FHA Small-Dollar Mortgages Act, authorizes the Secretary of Housing and Urban Development to establish a four-year pilot program to increase access to mortgages of $100,000 or less for individuals purchasing their primary residence. This program would offer incentives such as direct payments to lenders for originating these small-dollar mortgages and grants to borrowers to help cover costs like down payments, closing costs, and appraisals. It also allows for adjustments to Federal Housing Administration terms for these loans and mandates outreach to potential borrowers. The bill requires annual reports to Congress evaluating the program's outcomes and risks to the Mutual Mortgage Insurance Fund.

Topics ✓ HousingSupports HousingBill establishes pilot program to increase access to small-dollar mortgages and provides grants for down payments, directly advancing affordable housing access.95% confidence

Sub-Topics Affordable Housing Homeownership Mortgages

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in committee · United States · House Mar 26, 2026

HR 8127: Permanent Housing Affordability Act

The Permanent Housing Affordability Act aims to create and preserve permanently affordable housing for low- and moderate-income individuals and families. It establishes a Treasury Department program to provide grants to states and financial institutions, enabling them to offer low-interest construction loans to non-profit organizations and local governments for developing or rehabilitating shared equity homes with long-term affordability requirements. A separate pilot program under HUD offers direct grants to eligible entities for acquiring land or properties to develop similar affordable housing for lower-income households. The bill also mandates research and public awareness campaigns for shared equity homeownership models and streamlines the transfer of surplus federal land to these models at a discounted rate for affordable housing use.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill establishes Treasury grants and low-interest loans for affordable housing, increasing federal funding for public services and housing programs.75% confidence ✓ HousingSupports HousingBill creates grants and low-interest loans for affordable housing development with long-term affordability requirements, directly advancing housing access.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · Senate Mar 26, 2026

S 4262: Permanent Housing Affordability Act

This bill establishes a new funding program to support community land trusts and shared equity homeownership models, which are nonprofit approaches designed to keep housing permanently affordable for low- and moderate-income families. It creates a $100 million fund to provide low-interest construction loans to local governments and nonprofits, while also authorizing $500 million over five years for grants to purchase land and develop affordable housing. The legislation defines specific requirements for these projects, including 99-year affordability restrictions and resale formulas that limit future sale prices to ensure homes remain accessible to households earning up to 120 percent of the area median income. Additionally, the bill directs the Treasury and Housing and Urban Development departments to conduct research on best practices and launch public awareness campaigns about these housing models. It also amends federal surplus land laws to allow the government to transfer unused properties to community land trusts at a 75 percent discount from market value.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill establishes $100M fund for low-interest loans and $500M in grants for affordable housing, directly increasing government funding for essential community programs.90% confidence ✓ HousingSupports HousingBill establishes funding program for community land trusts and shared equity homeownership to keep housing affordable for low- and moderate-income families.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · House Mar 26, 2026

HR 8116: SHARE Act

The SHARE Act introduces a new tax provision that excludes certain income from shared appreciation mortgages from gross income for qualifying borrowers. This bill directly affects low-to-moderate income homeowners who use these alternative financing products, which allow lenders to receive a share of the property's future value increase instead of requiring monthly interest payments. The key mechanism requires borrowers to meet income limits of 140 percent of the area median income and use the home as their primary residence, while the mortgage must be a second lien subordinate to a qualified first mortgage and cannot exceed 49 percent of the purchase price. The tax exclusion applies only to amounts received after December 31, 2025, and does not change the fundamental structure of these loans but rather provides specific tax treatment for their repayment and disposition.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill provides tax relief for low-to-moderate income homeowners by excluding shared appreciation mortgage income from gross income, aligning with fiscal support for vulnerable populations.85% confidence ✓ HousingSupports HousingBill provides tax exclusion for shared appreciation mortgages, making alternative financing more accessible for low-to-moderate income homeowners, thus supporting affordable housing access.85% confidence

Sub-Topics Affordable Housing Homeownership Mortgages

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in committee · United States · House Apr 9, 2026

HR 8221: First-Time Homebuyer Savings Act of 2026

This bill creates a new tax-advantaged savings account specifically for first-time homebuyers, allowing them to deduct contributions up to $10,000 annually from their taxable income. The account can only be used to pay qualified homebuyer expenses such as purchasing or constructing a principal residence, and it is available to individuals who have not owned a home in the past three years. Distributions from the account remain tax-free if used for eligible housing expenses, but unused withdrawals are subject to income tax and a 10% penalty. The legislation also allows account holders to transfer funds to an IRA within 180 days after purchasing a home, and it exempts these contributions from Social Security and Medicare taxes.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill provides tax deductions for first-time homebuyers, offering tax relief and encouraging home ownership through fiscal incentives.85% confidence ✓ HousingSupports HousingBill creates tax-advantaged savings account for first-time homebuyers, directly supporting housing affordability and homeownership access.95% confidence

Sub-Topics Income Tax Procurement Affordable Housing Homeownership

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in committee · United States · Senate Mar 26, 2026

S 4241: Boosting Housing Supply through Small Businesses Act of 2026

This bill directs the Small Business Administration and the Department of Housing and Urban Development to work together to help small businesses in the housing industry, such as homebuilders, contractors, and property managers. The agencies must create a joint plan within 180 days to identify gaps in financial and technical assistance and propose ways to expand access to loans and support services for these businesses. The plan must also include strategies for better information sharing, joint training programs, and support for housing startups and innovative products. Additionally, the agencies are required to engage with state and local governments, community organizations, and other resource partners to develop these initiatives. The legislation aims to address housing shortages by strengthening the capacity of small businesses that contribute to housing supply and affordability.

Topics ✓ HousingSupports HousingBill aims to boost housing supply by supporting small businesses in housing industry through financial and technical assistance, directly advancing housing development goals.85% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance Tags Small Business

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in committee · United States · House Feb 11, 2026

HR 7504: Housing for America’s Middle Class Act of 2026

This bill directs the Comptroller General to conduct a comprehensive study on housing affordability challenges facing middle-income American families. The report will identify specific geographic areas where housing is most unaffordable for these households and examine existing federal programs that currently exclude middle-income families from benefits available to lower-income groups. Additionally, the study will analyze how to define workforce housing based on income parameters and provide recommendations for expanding federal housing assistance to include middle-income households. The legislation focuses on gathering data and making policy recommendations rather than implementing immediate changes to housing programs.

Topics ✓ HousingSupports HousingBill directs study on housing affordability for middle-income families and examines federal programs to include them, indicating intent to strengthen housing access.75% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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